American Express · Amex
Hilton Honors Surpass
Hilton Loyalists
$150 annual fee up to $200/yr in credits if you use them
Why people consider it
- 12x on Hilton.
- 6x on Dining.
- 6x on Grocery.
Limited-time offer
Ends 2027-01-13
Welcome offer: 130,000 points≈ $650 at our typical valuation
Requirement: Spend $3,000 in 6 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 130,000 Hilton Honors points plus a Free Night Reward after $3,000 spend in 6 months (offer window 2026-09-10 to 2027-01-13). The free night is not valued in our estimate. Amex welcome offers vary by applicant.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$939/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,589 first year
Includes: +$650 welcome offer (130,000 points at our typical value)
$650 is one-time. $939/year is ongoing.
To earn the bonus: spend $3,000 in 6 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $150, charged in full — credits count only if you use them
- Major trade-offs:
- Hilton points worth ~0.5c Need $15k spend for free night
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Hilton Honors Surpass on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Hilton purchases
Restaurants
US supermarkets
US gas stations
US online retail
Optional benefits and credits
Credits — if you use them
Up to $50 in statement credits each quarter on eligible Hilton purchases
Perks (not counted in our math)
Automatic - includes breakfast at some properties
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Gold status with breakfast
- + High earn rates
Cons
- - Hilton points worth ~0.5c
- - Need $15k spend for free night
- - Amex acceptance issues
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.